Why do individuals often purchase medical expenses insurance?

Individuals often purchase medical expenses insurance primarily to access a greater choice of specialists and timing of treatment. This type of insurance provides them with the flexibility to select healthcare providers that may not be available through public health systems, such as the NHS. When individuals have this insurance, they often can arrange for appointments and treatments that fit their schedules, avoiding the long waiting periods that might be associated with public healthcare.

Classically, when relying on public health systems, patients might encounter delays due to high demand and limited availability of specialists. Therefore, private medical expenses insurance serves as a solution by offering quicker access to medical professionals and elective treatments, thus allowing for a more personalized healthcare experience.

While other reasons, such as avoiding NHS waiting lists or receiving free medical care abroad, are relevant considerations, they do not encapsulate the primary motivation as comprehensively as having a wider choice of specialists and the ability to dictate the timing of one's treatment.